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All Journal IJTIHAD Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Journal of Islamic Banking
Zulfatus Sa'diah
Universitas Darussalam Gontor
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementation Of Khiyar On Ba'i Salam Transactions In Student Cooperative At Islamic Boarding School Darussalam Gontor For Girl 2 According To Fiqh Muamalah Daud Sukoco; Zulfatus Sa'diah; Aqif Khilmia
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 1 (2022): Jan-Juni 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i1.4039

Abstract

Abstract Basically, buying and selling transactions in determining the contract, the party who transacts has the right to continue or cancel a contract. A solution in Islam, offering the right of khiyar. The purpose of this study was to determine the implementation of Khiyar in Ba'i Salam transactions at the Student Cooperative Store and to review it from the perspective of muamalah fiqh. The conclusion is that in the practice of ba’I salam carried out by the Gontor Putri 2 student cooperative with distributors, they have implemented khiyar aib, khiyar ru’yah, and khiyar syarat. When viewed from the point of view of fiqh muamalah, the application of khiyar aib is appropriate, because there was a new defect known to the buyer after the contract was made and before the receipt. khiyar aib is still allowed in muamalah fiqh because khiyar aib does not prevent the perfection of the handover of goods. However, the actual khiyar ru’yah, and khiyar syarat in ba'i salam are not necessary, because if the order has the right of the khiyar, then the goods will be borne by the seller, and so on, it is enough just to mention the specifications of the goods for the validity of the salam contract. Keywords: Khiyar, Ba’i Salam
Analisis Penyelesaian Pembiayaan Murabahah Bermasalah Menurut Fatwa DSN MUI No.17/DSN-MUI/IX/2000 dan No. 43/DSN-MUI/VIII/2004 (Studi Kasus di BMT La Tansa Ponorogo) Zulfatus Sa'diah; Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup
Journal of Islamic Banking Vol 2 No 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.892 KB)

Abstract

Non-performing financing, namely high Non-Performing Financing is certainly an important problem for Islamic banking, as well as in the Baitul Mal Wa Tamwil KJKS (Islamic Financial Services Cooperative). From the landing side, until now the only financing product at BMT La Tansa Ponorogo is Murabahah. From the system in murabahah itself, it uses the principle of musawamah. The process of negotiating (bargaining) on goods and prices is carried out between the BMT La Tansa Ponorogo and candidate of financing customers. In its journey, BMT La Tansa experienced a problem, namely the non-performing financing ratio which was still high. The methods used in collecting this data are observation, interviews, and documentation.This research is a field research which then analyzed using the DSN-MUI fatwa. The results obtained, that in the settlement of problematic murabahah financing, BMT La Tansa Ponorogo has several stages. Provide warning letters (SP) up to 3 times, confiscation of collateral, rescheduling. Where used in this sanction is mandatory infaq, which is the mandatory infaq amount of Rp. 1,000, - per day (during the late period) and it is already there and written at the beginning of the contract (agreement). While, in terms of ta'wid, BMT La Tansa does not apply ta'wid on non-performing financing made by customers. However, if it is at the final stage that you cannot fulfill the installment obligation, then the purchased item (collateral) is sold to cover the customer's shortage of installments.
PROFIT SHARING PRACTICE IN MUKHABARAH CONTRACT ACCORDING TO FIQIH MUAMALAH (CASE STUDY IN SENDANG VILLAGE, JAMBON DISTRICT, PONOROGO REGENCY) Zulfatus Sa'diah; Muhamad Syamsul Huda
Muamalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 14 No. 1 (2022): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v14i1.5062

Abstract

Cooperation with the mukhabarah contract profit sharing system is one of the muamalah activities that often occurs among the Indonesian people, especially in the agricultural sector and it involves two parties, namely the land owner and also the land cultivator. This study aims to determine the practice of agricultural production sharing in mukhabarah contracts and a review of muamalah fiqh on these practices. The results of this study indicate that the contract is carried out verbally with the provision of seeds and all cultivation capital is borne by the land cultivator, while for the distribution of the results it is divided by mertelu or 1/3 between the land owner and the cultivator. If it is reviewed in muamalah fiqh, the practice of the mukhabarah contract is appropriate, However, there is an element that is contrary to the conditions for mukhabarah, namely in the distribution of the harvest the results are not weighed first, only based on the number of sacks, each bag is filled with 3 baskets of harvest, the scales of which are not clear. So that there is an element of gharar and contains an element of injustice that results in disputes between land owners and land cultivators.
Eksistensi Peran dan Fungsi Legal Opinion Dalam Menyelesaikan Masalah Hukum May Shinta Retnowati; Salwa Fuadia; Zulfatus Sa'diah; Muhamamad Irkham Firdaus; Ihsan Hudiana
Ijtihad Vol. 16 No. 1 (2022): Ekonomi dan Hukum Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (509.651 KB) | DOI: 10.21111/ijtihad.v16i1.7393

Abstract

Legal opinion memiliki peran dalam menyelesaikan kasus atau perbuatan melawan hukum, baik kasus hukum perdata maupun pidana. Masyarakat menggunakan legal opinion sebagai nasihat ketika mengalami suatu permasalahan hukum, yaitu dengan mendatangi penasehat hukum atau pengacara untuk membantunya dalam menyelesaikan permasalahan. Permasalahan yang akan dibahas dalam penelitian ini adalah mengenai eksistensi legal opinion dalam menyelesaikan masalah hukum. Sedangkan metode penelitian yang digunakan penulis adalah metode penelitian kualitatif dengan pendekatan yuridis empiris dengan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Hasil penelitian ini menunjukkan bahwa legal opinion menjadi salah satu alternatif mudah dan murah yang dapat degunakan oleh masyarakat dalam menyelesaikan permasalahan hukm. Legal opinion juga dapat digunakan sebagai dasar dalam menyikapi dan mencari jalan keluar atau pemecah terbaik atas suatu masalah hukum yang sedang dialami. Sedangkan tujuan legal opinion adalah untuk menjabarkan suatu kontekstual hukum baik secara inplisit maupun eksplisit, apabila terjadi berbagai kontradiksi yuridis yang berakibat protes masyarakat terhadap pembelakuan suatu aturan hukum, atau dengan kata lain terdapat penyimpangan norma-norma kultural yang berlaku dalam suatu masyarakat.
Co-Authors Annas Syams Rizal Fahmi Aqif Khilmia Daud Sukoco Devid Frastiawan Amir Sup Ihsan Hudiana Muhamad Syamsul Huda Muhammad Irkham Firdaus Retnowati, May Shinta Salwa Fuadia